Nashville, TN · Cert 22451 · Lawrence Bancshares Inc.
State charter, non-member · FDIC · 30 branches
Q2 2026
Market Position · Nashville-Davidson--Murfreesboro--Franklin, TN · 2026 SOD (annual) · 1.6% share · #10 of 62 inst. · $1.8B of $107.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.61% | 0.50% | 0.56% | 0.38% | 0.70% | 1.35% | 0.75% | +18 bps | |
| Return on Equity | 4.01% | 5.05% | 4.08% | 4.72% | 3.17% | 5.72% | 11.23% | 6.39% | +167 bps | |
| Net Interest Margin | 3.27% | 3.42% | 3.45% | 3.54% | 3.63% | 3.64% | 3.55% | 3.65% | +11 bps | |
| Efficiency Ratio | 83.92% | 77.26% | 79.93% | 77.80% | 84.20% | 70.77% | 66.06% | 74.05% | -375 bps | |
| Non-Interest Burden | 2.64% | 2.59% | 2.65% | 2.63% | 3.03% | 2.45% | 2.18% | 2.56% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 52.11% | 41.54% | 43.26% | 56.10% | 3.57% | 2.97% | 93.11% | 82.41% | +2,632 bps | |
| Loan Growth (YoY) | 54.51% | 53.81% | 54.45% | 58.81% | 5.96% | 5.75% | 109.07% | 100.53% | +4,172 bps | |
| Deposit Growth (YoY) | 51.17% | 46.60% | 48.50% | 57.22% | 3.54% | 2.55% | 95.56% | 83.44% | +2,623 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.23% | 0.53% | 0.45% | 0.45% | 0.80% | 0.17% | 0.17% | -28 bps | |
| Net Charge-Offs / Loans | 0.06% | -0.03% | 0.02% | 0.02% | 0.00% | 0.08% | 0.11% | 0.13% | +12 bps | |
| Allowance / Loans | 1.07% | 1.06% | 1.04% | 1.02% | 1.00% | 1.03% | 0.86% | 0.86% | -16 bps | |
| Allowance Coverage of NPLs | 9.5x | 4.6x | 1.9x | 2.2x | 2.2x | 1.3x | 5.0x | 4.9x | +2.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.18% | 9.44% | 9.51% | 9.46% | 9.22% | 9.57% | 9.75% | 9.78% | +32 bps | |
| Total Risk-Based Capital | 13.08% | 13.03% | 13.05% | 12.69% | 13.00% | 13.42% | 13.81% | 13.77% | +108 bps | |
| Equity / Assets | 12.09% | 12.21% | 12.15% | 11.70% | 12.02% | 12.61% | 11.68% | 11.65% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.85% | 82.79% | 80.98% | 79.02% | 81.72% | 85.37% | 86.57% | 86.38% | +736 bps | |
| Liquid Assets / Assets | 2.95% | 1.98% | 0.85% | 1.90% | 0.54% | 0.82% | 3.11% | 4.87% | +297 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 371% | 362% | 323% | n/a | n/a | |